Terms and Conditions

1. Acceptance of Terms

Welcome to Kekkei. These Terms and Conditions ("Terms") govern your access to and use of the Kekkei website, platform, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use our Services. We reserve the right to modify these Terms at any time, and your continued use of the Services constitutes acceptance of any changes.

2. Description of Services

Kekkei is an educational platform focused on financial science, quantitative finance, and related disciplines. We provide:

• Structured online courses and learning materials
• Interactive lessons, quizzes, and exercises
• Progress tracking and learning analytics
• Educational visualizations and interactive tools
• Community features and learning resources
• The Gakusha program for dedicated scholars

3. User Accounts and Registration

3.1 Account Creation

To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

3.2 Account Eligibility

You must be at least 13 years of age to use our Services. If you are under 18, you must have permission from a parent or legal guardian. By using our Services, you represent that you meet these requirements.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, fraudulent activity, or any other reason at our sole discretion. You may close your account at any time by contacting us.

4. User Conduct and Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws, regulations, or third-party rights
• Uploading or transmitting viruses, malware, or malicious code
• Attempting to gain unauthorized access to our systems or other users' accounts
• Scraping, harvesting, or collecting data from our Services without permission
• Impersonating another person or entity
• Harassing, threatening, or abusing other users
• Sharing your account credentials with others
• Using our Services for any commercial purpose without our consent
• Circumventing or interfering with security features of the platform
• Reverse engineering or attempting to extract source code

5. Intellectual Property Rights

5.1 Our Content

All content on Kekkei, including but not limited to text, graphics, logos, images, videos, audio, software, courses, lessons, and documentation (collectively, "Content"), is the property of Kekkei or its licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial educational purposes. This license does not permit you to:

• Reproduce, distribute, or publicly display our Content without permission
• Create derivative works based on our Content
• Sell, license, or commercialize our Content or Services
• Remove any copyright or proprietary notices

5.3 User-Generated Content

If you submit, post, or share any content on our platform (e.g., forum posts, comments, or submissions for the Gakusha program), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display that content in connection with operating and improving our Services.

6. Educational Purpose and Disclaimers

6.1 Educational Content Only

All content provided through our Services is for educational and informational purposes only. Our courses and materials related to finance, investing, and trading are not intended as financial, investment, or trading advice.

6.2 No Investment Advice

IMPORTANT: Kekkei does not provide personalized investment advice, recommendations, or portfolio management services. You should consult with qualified financial professionals before making any investment decisions. Past performance discussed in our courses does not guarantee future results.

6.3 Risk Acknowledgment

Trading and investing involve substantial risk of loss. You acknowledge that you are solely responsible for your own investment decisions and their consequences. Kekkei is not liable for any financial losses you may incur.

7. Payment and Fees

Some features or courses on our platform may require payment. By purchasing access to paid content or services, you agree to:

• Provide accurate and complete payment information
• Pay all applicable fees and charges
• Authorize us to charge your payment method
• Accept that all fees are non-refundable unless otherwise stated

We reserve the right to change our pricing at any time. Price changes will not affect existing subscriptions or purchases.

8. Disclaimers and Limitations of Liability

8.1 "As Is" Basis

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our Services will be uninterrupted, secure, or error-free.

8.2 Limitation of Liability

To the fullest extent permitted by law, Kekkei shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use our Services
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from our Services
• Any bugs, viruses, or malicious code transmitted through our Services
• Any errors or omissions in content
• Financial losses from investment decisions made based on our educational content

9. Indemnification

You agree to indemnify, defend, and hold harmless Kekkei, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use of our Services
• Your violation of any third-party rights
• Any content you submit or share on our platform

10. Third-Party Links and Services

Our Services may contain links to third-party websites, services, or resources. We do not endorse and are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

11. Dispute Resolution and Governing Law

11.1 Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

11.2 Dispute Resolution

Any dispute arising from these Terms or your use of our Services shall first be resolved through good-faith negotiation. If a dispute cannot be resolved through negotiation, the parties agree to pursue binding arbitration or mediation as appropriate.

12. Modifications to Services and Terms

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without notice. We may also update these Terms periodically. Continued use of our Services after changes constitutes acceptance of the modified Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kekkei regarding your use of our Services and supersede any prior agreements.

15. Contact Information

If you have any questions about these Terms, please contact us: